Price and packaging. Otherwise it is the same product.
OEM versions are meant to be bundled with assembled computers like HP, Dell, Acer, and also house/shop assembled computers. The cost is supposedly cheaper since it is bought in "bulk" and have less packaging (no retail box, less manuals/documents included). Not meant to be sold "as-is" to end-users like you and me.
RETAIL version is meant to be sold at the stores to the end users. These come complete with box, documentation/instructions and whatever promotional "bruhaha" the software companies would like to include in the box. Slightly more expensive at cost too.
BUNDLED OS version are slightly modified OEM version to include stuff like the brand logo (like dell, acer, msi) within the OS itself (like default wallpaper, screensaver, boot-up logo). It would also include bundled softwares and trialware that might or might not be useful to the purchaser. Also included are manufacturer's software drivers for the computer's hardware.





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